Wanaka, Otago8 insurance brokers near you

It is possible to become an insurance broker without a diploma. To do so, the candidate must complete a professional internship of at least 150 hours in a brokerage firm, in a company in the insurance field, or in a training centre (some centres offer online training). This training course enables the trainee to obtain the Level 1-IAS (Insurance Intermediary) qualification and thus gain access to the profession of insurance broker. In addition to this possibility, there are also more conventional training courses, which allow access to the profession and which are highly sought after and appreciated in the industry. Several fields must be studied in order to be able to practice, there is of course insurance, but also management, commerce and law. With regard to insurance: The student can choose to do a BTS Insurance in 2 years, a Licence Professionnelle in Insurance or a Bachelor in Insurance in 3 years. At the BAC+5 level, it is possible to take what is called an MBA (Master of Business Administration) in Insurance or a Master in Insurance. The École Supérieure d'Assurance (ESA) also offers a 5-year Insurance Manager diploma. It should be noted that it is possible to start with the BTS, then the Licence Professionnelle before obtaining a Master's degree. As for law and management: These 2 fields have multiple gateways from one to the other, which is why brokers trained in law are just as appreciated as those trained in insurance. In this context, you can consider taking a DUT in Legal Careers, as it is accessible in 2 years. If you wish to continue your studies, it will be possible to take a Bachelor's degree in law and management in 3 years, and then a Master's degree in law in 5 years. Finally, as far as commerce is concerned: The BTS Operational Commercial Management (which replaced the famous BTS MUC) and the DUT Marketing Techniques are 2 diplomas that give access to the profession of insurance broker in 2 years. As regards longer courses, diplomas from Business Schools and Engineering Schools, which are generally obtained after 5 years, are very much appreciated by recruiters, and it is very important to know this and to take it into account... Finally, we would like to point out that some of these diplomas are accessible via the Validation of Acquired Experience (also known as VAE).

It should be noted that the brokerage business is regulated by the Ministry of the Economy, Finance and Industry. As a result, like other financial intermediaries, brokers must be registered with the Registre unique des Intermédiaires, managed by the ORIAS. The latter is the guarantor of his status as an insurance intermediary. The registration must be renewed every year by the broker. Finally, since January 2006, the broker profession has been represented by the Chambre Syndicale des Courtiers d'Assurance (CSCA). Generally speaking, insurance brokers have standard office hours, ranging from 8/9 a.m. to 6/7 p.m.; however, overtime is quite frequent at times, and the profession also requires a lot of travel. Most brokers are employed full time and on permanent contracts and their working conditions are quite good, although it is a very demanding job, which can also be very stressful at times or in certain situations.

There are many reasons why you should use an insurance broker, and we will now look at the 5 most important ones, from our point of view. 1 - It will allow you to make substantial savings in time and money: Choosing to go through an insurance broker is a guarantee that you will save time and money. Indeed, if finding an insurance contract adapted to your activity is not always easy, especially if it is innovative, the insurance broker can help you to find the right one. especially if it is innovative, the professional, with his knowledge of the market, will be able to guide you very precisely. Between the terms and conditions of the insurance policies that can differ from one insurer to another, finding the perfect insurance policy can be a real challenge, but you have the option of not having to go through this... The insurance broker has all the knowledge to perfectly understand the content of an insurance contract and to make the competition work to your advantage. His experience and knowledge enable him to obtain the most suitable insurance proposals that are best suited to his client, but also at the best prices. 2 - He will provide you with sound advice throughout the process: Using a broker allows you to benefit from his advice as an independent professional, who is not influenced by any insurance company. The insurance broker also has the advantage of working with several insurers. As a result, he or she has a global view of all the offers, and the client can benefit from the best guarantees and the best rates according to his or her needs. In a way, it can be said that the broker is the partner who serves the interests of his clients. 3 - The broker will also negotiate on your behalf: Depending on certain needs, it will sometimes be necessary to structure various files, some of which may be very complex. Using an insurance broker is therefore a good alternative, not to say the best, to ensure the negotiation of the contract. 4 - Do not duplicate contracts: What could be more frustrating and annoying than to discover several years later that you are paying twice for the same thing? Thanks to his knowledge, the broker will easily see that several insurance contracts offer the same guarantees, but that they are not identical. insurance policies offer the same coverage, or overlap with each other... Indeed, it can be difficult to differentiate the terms and conditions of the various contracts, especially for a novice, and as is often the case, companies end up with several insurance contracts that cover the same risks several times over. 5 - The broker will still defend your interests after the contract is signed: Let's face it, the work of the insurance broker does not stop at the signing of the contract! The professional will also take care of the follow-up. In this context, he can make proposals to his client in the event of more advantageous offers, or provide him with a offers, or provide assistance in terminating the contract. In the event of a claim, the broker will take charge of the procedures with the insurance company, which again saves precious time and significantly increases the chances of obtaining compensation. chances of obtaining compensation.

In fact, there are no 36 solutions for this, unless you know someone personally who is in the business, then you will have to do a search among your entourage first. Start by checking with your friends, family, colleagues, and if that doesn't work, meet with your banker or insurer, or email them for advice. After using all these resources, if you still haven't found what you're looking for, then we advise you to turn to the resources on the Net. Go to any search engine and type in a few keywords, this will give you many results. You will find targeted directories or referral sites such as StarOfService.com, which have very large lists of professionals working in your area.

Since the brokerage business has been booming in recent years, there are currently both free and paid brokers. While free brokerage is exclusively online, paid brokerage requires you to go to a physical agency. Free brokerage: Free brokerage is when the broker offers services that are not charged for. In other words, clients do not pay any brokerage fees to the professional for his services. Unfortunately, current market conditions do not allow a broker's services to be exclusively free. Thus, to the extent that the borrower is not charged, the real estate broker will necessarily obtain commissions from the banks. He is therefore remunerated by the banking institutions at a rate of 1% of the amount of each loan granted. Paid brokerage: The salary of an insurance broker is very fluctuating as it is made up of a fixed and a variable part, besides the fact that the geographical location also has its importance. Even if it is not absolutely systematic, you can consider that beginners can be paid between €1,500 and €3,000 gross per month (between €1,170 and €2,340 net), depending on their background, their school and university studies and the firm that employs them. The average salary for a broker in France is around €5,250, but again, this is only an average, so don't assume that this is the price you will have to pay. Also, you should be aware that some earn much more, others much less. The variable part of the remuneration comes in the form of fees paid by clients, commissions paid by insurance companies or economic benefits. It is possible to combine all three. More specifically, in terms of career development, an insurance broker can move up within the company. In the long run, this will enable him to manage teams, to earn more money and to take on more responsibilities. Finally, with time and experience, an insurance broker may decide to open his own business and, why not, go international.

As with any contract with a professional, regardless of the activity, it is very important not to make a mistake when choosing the company or broker that you are going to contract.... The company you choose should have a proven track record and should also charge market prices. In the same way as we did when we helped you find a professional, our first advice when choosing a company is to use word of mouth. You have to be aware that word of mouth is by far the easiest, fastest and safest way to find a good professional, and statistics don't lie on this subject. So don't hesitate to tell your friends, family and work colleagues about your project, as perhaps one of them will be able to direct you to a reputable firm or broker in the area. If word of mouth doesn't work, then don't hesitate to use the inexhaustible resource of the web. The StarOfService website mentioned earlier can provide you with a list of professionals who operate near you, and if you want to get a better idea of the quality of their services, the easiest way to do this is to look at the many reviews and comments from past clients. This method is probably the best way to get a really good and objective idea of a company, rather than what previous customers say about it. Once you have selected the professional or firm you need, all you have to do is check their availability, define your project with them and set deadlines that suit both parties, as simply as possible.

- How long have you been in the profession? - What initial training did you receive and how long have you been in the profession? - What are your rates? Is it possible to have the details? - Will you provide me with a proper estimate before the work begins? - What are your availabilities? - Can you guarantee to respect the deadlines that we will agree on?